Lower Your 1998 Mercury Tracer Car Insurance Rates

I doubt anyone looks forward to paying for insurance coverage, especially when they are aware that they could find better prices if they shop around.

Lots of insurance companies contend to insure your vehicles, and because of this it can be hard to compare insurers to find the best rate

Free insurance rate quotes

To get affordable car insurance quotes, there a variety of ways of comparing price quotes from many available insurance companies in your state. By far the easiest way to find the cheapest 1998 Mercury Tracer insurance rates is to get quotes online. This can be done in a couple minutes as outlined below.

• The best way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This style of form keeps you from doing separate quotation requests for every insurance company. A single form will get you price quotes instantly.
• A harder way to compare rate quotes requires visiting the website of each company and fill out their own quote form. For examples sake, we’ll assume you want to compare rates from State Farm, Geico and Progressive. To do that, you would have to take the time to go to each site and punch in your information repeatedly, which is why most consumers use the first method.

  To view a list of companies in your area, click here.

Which method you use is up to you, but do your best to enter the same coverages for every quote you compare. If each company quotes different deductibles it will be next to impossible to determine which company has the best rates. Just slight variations in insurance coverages or limits may result in a large different in cost. Just remember that comparing more company’s prices will enable you to find lower pricing. Some companies don’t provide online rate quotes, so it’s recommended that you also compare prices from them as well.

Situations that may require an agent’s advice

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Every situation is different so your insurance needs to address that. For example, these questions might help in determining if your situation could use an agent’s help.

• Is motorclub coverage worth it?
• Am I covered when driving on a suspended license?
• Is a blown tire covered by insurance?
• How does medical payments coverage work?
• Will filing a claim cost me more?
• What exactly is covered by my policy?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Detailed coverages of your insurance policy

Learning about specific coverages of insurance can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages offered by insurance companies.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like funeral costs, EMT expenses and chiropractic care. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your Mercury Tracer.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, hail damage, damage from flooding and vandalism. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision insurance

Collision insurance will pay to fix damage to your Tracer resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as rolling your car, colliding with a tree and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Liability coverages

This provides protection from damages or injuries you inflict on a person or their property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers things like emergency aid, loss of income, medical services, pain and suffering and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.